STCG is 20%. LTCG is 12.5% above Rs 1.25 lakh. These rates were set in Budget 2024 and remain unchanged in Budget 2025 and 2026. Enter your trade and see exactly how much tax you owe.
total tax
Total Buy Value
₹1,00,000Total Sell Value
₹1,50,000Gross Capital Gain
₹50,000LTCG Exemption (per FY)
- ₹50,000Taxable Amount
₹0Tax @ 12.5%
₹0Health & Education Cess @ 4%
₹0Surcharge not included as it depends on total annual income. Surcharge applies above Rs 50 lakh income.
Metis analyses your stock's technicals and tells you if the trend still has room to run, or if you should book profits before a reversal. Factor in tax before you decide.
The rule is simple: count from your buy date to your sell date. Less than 12 months means Short Term Capital Gains (STCG), taxed at a flat 20%. 12 months or more means Long Term Capital Gains (LTCG), taxed at 12.5% on gains above Rs 1.25 lakh per financial year. There is no STCG exemption. Even Rs 100 in short-term gains is taxable. The 4% health and education cess applies on top, making the effective rates 20.8% (STCG) and 13% (LTCG).
Before July 23, 2024, STCG was 15% and LTCG was 10% above Rs 1 lakh. Budget 2024 increased both rates: STCG to 20% and LTCG to 12.5%. The exemption went from Rs 1 lakh to Rs 1.25 lakh. Budget 2025 and Budget 2026 made no changes to these rates, so they remain in effect for FY 2025-26 and FY 2026-27. The indexation benefit was also removed for all asset classes except certain real estate transactions. For equity shares specifically, indexation was never available, so this change does not affect stock traders directly.
Yes. This is the most common confusion. The new tax rates apply to all sales made on or after July 23, 2024, regardless of when you purchased the stock. If you bought shares in 2020 and sell them in 2025, LTCG is taxed at 12.5%, not 10%. The purchase date determines whether your gain is short-term or long-term. The sale date determines which tax rate applies.
Every individual gets Rs 1,25,000 in tax-free long-term capital gains per financial year. This covers gains from equity shares, equity mutual funds, and business trusts combined. It is not per stock or per transaction. If your total LTCG across all stocks sold in a year is Rs 2 lakh, you pay 12.5% tax on only Rs 75,000 (2,00,000 minus 1,25,000). The exemption resets every April 1. There is no equivalent exemption for STCG.